About Us
Our People
Ryan Janz
president
Ryan built his career in some of the most demanding environments in the country. Professional sports organizations like the MLB, NBA, the PGA Tour, and top nationally rated restaurants. Uncompromising standards. No room for error. He watched mentors, friends, and family work decades of hard years only to reach retirement completely unprepared because nobody ever helped them plan. Then he saw it beginning in his own life. He found the right people, the right resources, and solved it. And once he did, there was only one thing to do with it.
Today he works with doctors, lawyers, nurses, research scientists, professors, deans, moms and dads, and grandparents across the country, helping families protect what they've built, create income they can't outlive, and make sure the people they love are taken care of no matter what happens. He does all of it from Yulee, Florida, where he and his wife Ashley are raising four kids including a set of triplets, and if he's not working, he's with them.
Adam Eby
operations partner
Adam spent 14 years in banking before earning three master's degrees: MBA, Management in Leadership, and Human Resources Management. That path sharpened something in him that eventually became impossible to ignore. People in his life poured decades into their careers and retirement accounts only to arrive at the finish line scared, overwhelmed, and unsure if they would ever actually get to enjoy what they had built. He got tired of being part of a system that left people feeling that way, so he left it and did something about it.
Today he works with business owners, educators, franchise owners, and successful professionals across the country. He helps them build retirement income they can count on, protect what they have built, and finally feel confident about what comes next. No one should spend their golden years worried about money after a lifetime of hard work. He lives in Green Cove Springs, Florida with his wife Jamie, and when they are not working they are traveling, exploring local history, restaurants, or catching a live show.
Wes Whitten
Advisor partner
Wes built his career over 30 years in financial services, earning his RSSA and RICP designations and building a practice centered on one thing: helping families create a plan that actually works when it matters most. He watched too many people reach retirement with good intentions and no real roadmap and spent thirty years making sure the families he worked with never had that problem. That gap between what people hope for and what they actually prepare for is what drives everything he does.
Today he works with individuals, families, and businesses across the country, helping them maximize Social Security, build income they can't outlive, protect their legacy, and make sure every piece of their financial life is working together. He does all of it from Jacksonville, Florida, where he grew up just down the road in Gainesville. On weekends you'll find him on the family hobby farm, cheering on the Gators, spending time with his three grandkids, or at Church of Eleven 22.
Our Team
Matt Jorgensen
CFP®
Gradient Investments, LLC
Jaime Malm
Investment Advisor
Gradient Investments, LLC
Brad Issacson
VP Marketing
Gradient
Financial, LLC
Matt is 21 year veteran in finance, holding his Certified Financial Planner designated investment advisor. Having this designation gives Matt expert insight into Investment Planning, Estate Planning, Retirement Planning, and Tax Planning
Jaime Malm is a financial advisor, financial educator, and retirement income planner. Jaime not only counsels her own clients toward financial freedom and success, but serves as a mentor and coach to top financial advisors across the U.S. for over 20 years.
Brad has spent over 10 years in the insurance industry. He leads a team of insurance professionals that uses a modern approach to provide a very individualized experience to be tactical in using life insurance in financial planning.
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Your complete plan?
One conversation. No obligation. Just clarity.
FAQ's
Common questions
Here are some questions people ask us
What Makes Overflow Different?
Most firms give you a portfolio and call it a plan. We build around six elements of your financial life because retirement isn't one thing, it's everything working together. We call it your Complete Plan.
Who Do I Work With?
You work with our team. Ryan, Adam, and Wes are here to serve everyone in our community. We are big on communication, and everyone you speak with knows you.
Where Do I Fit In?
You are the entire plan. We don't work for products and fees. We work for individuals, families, business owners, and people heading into retirement. If you're ready to get serious about your future, this is the right place.
Overflow Finance & Insurance, LLC
Serving Northeast Florida locally, along with anywhere in the U.S. We offer full holistic financial planning using cutting edge technology and tactical partnerships.
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Advisory services are offered through Trusted Risk Management, an Investment Advisor in the State of Florida. Insurance products and services are offered through Overflow Finance and Insurance LLC, an affiliated entity. Trusted Risk Management and Overflow Finance and Insurance LLC are not affiliated with or endorsed by the Social Security Administration or any other government entity. Being registered as an investment adviser does not imply a certain level of skill or training. All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of Overflow Finance and Insurance LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Florida or where otherwise legally permitted. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph. Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital.